Investment Opportunity.
Invest in Private Mortgages.
Real Estate Secured Mortgage Lending.
Preservation of capital & Due Diligence driven.
The private mortgage market.
Invest in Private Mortgages in Ontario.
In 2012, the Office of the Superintendent of Financial Institutions (OSFI) introduced its Residential Mortgage Underwriting Practices and Procedures Guideline (Guideline B-20). This guideline imposed strict lending rules on banks and other federally regulated lenders, requiring borrowers to pass a mortgage stress test to prove they could still afford payments if interest rates rose or if their income changed. It also required lenders to apply greater scrutiny to property valuations, set tighter loan-to-value limits, and enforce stricter underwriting standards based on property type, location, and market conditions. While these rules were designed to strengthen the banking system, they also created a financing gap. Many otherwise creditworthy borrowers, including homeowners, self-employed individuals, and real estate investors, found themselves unable to qualify for traditional bank mortgages despite having significant equity in their properties. This growing demand has fueled the expansion of the private mortgage market, creating opportunities for investors to earn attractive, risk-adjusted returns by providing mortgage financing secured directly against real estate. At DV Capital Corporation, we connect qualified investors with carefully vetted private mortgage investment opportunities across Ontario. Each opportunity is tailored to the investor’s profile, offering competitive returns while being secured against real estate with protective loan-to-value ratios. Our disciplined underwriting process, deep industry experience, and broad network allow us to structure investments that balance both security and yield, giving investors a strong alternative to traditional fixed-income products.
Private Mortgage Investing.
Private Mortgage Investments.
DV Capital Corporation adheres strictly to internal policies and the FSRA’s regulatory framework, including Ontario Regulation 188/08 under the Mortgage Brokerages, Lenders and Administrators Act, to ensure responsible private mortgage investing. We implement a thorough Know Your Client (KYC) process for all prospective private mortgage investors, which includes an in-depth assessment of experience, net worth, investment goals, risk appetite, and private mortgage lending sophistication. We work exclusively with individuals and entities who qualify as part of a Designated Class, including but not limited to accredited investors, permitted clients, and other eligible investor types as defined by FSRA regulations. Our objective is to ensure suitability, transparency, and alignment between each investor’s profile and the private mortgage opportunities presented. DV Capital Corporation is currently accepting inquiries from qualified private mortgage investors in Ontario who are looking to diversify into private, asset-secured lending opportunities. To explore eligibility and gain access to mortgage investment opportunities, please contact us for a confidential discussion.
Who Can Invest in Private Mortgages in Ontario?
DV Capital private mortgage investors typically identify as one of the following Designated Classes of Lenders & Investors; note we make occasional exceptions.
- An individual whose net income before taxes in each of the two most recent years exceeded $200,000 or whose net income before taxes in each of those years combined with that of his or her spouse in each of those years exceeded $300,000, who has a reasonable expectation of exceeding the same net income or combined net income, as the case may be, in the current year.
- An individual who, alone or together with his or her spouse, beneficially owns financial assets (being cash, securities within the meaning of the Securities Act, the cash surrender value of a life insurance contract, a deposit or evidence of a deposit) that have an aggregate realizable value that, before taxes but net of any related liabilities, exceeds $1 million.
- An individual who, alone or together with his or her spouse, has net assets of at least $5 million.
- A person or entity, other than an individual, who has net assets of at least $5 million as reflected in its most recently-prepared financial statements.
Private Mortgage investors.
Become a Private Mortgage lender.
DV Capital Corporation provides private mortgage investment opportunities to an array of qualified individuals and entities, some of which include:
- High Net Worth Individuals
- Medical Doctors
- Real Estate Lawyers
- Family Offices
- Professional Real Estate Corporations
- Accounting Firms
- Business Associates
- Family Members
- Co-Lenders (Mortgage Investment Entities)
How to invest in private mortgages.
Become a Private Mortgage Lender.
DV Capital Corporation provides a customizable approach for private mortgage investments from a variety of capital sources that cater to the needs of our investor clients.
- Cash Account: Investors can deploy funds from personal savings, corporate accounts, or holding companies directly into secured private mortgages registered on title.
- Self-Directed Registered Accounts: Investors can use registered plans such as a Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), or Registered Education Savings Plan (RESP) to fund arm’s-length private mortgages through Olympia Trust Company, allowing for tax-sheltered or tax-deferred growth while earning returns from secured real estate lending.
Private Lending Due Diligence.
Private Real Estate Investing.
At DV Capital, we conduct thorough due diligence on every private mortgage transaction to assess suitability and mitigate risk. Our underwriting process includes:
Property Analysis: We evaluate the property securing the loan, focusing on marketability, location, condition, and valuation. Internal reviews and third-party appraisals or reports are commissioned where necessary.
Borrower Assessment: We examine the borrowers’ and guarantors’ profiles to understand their financial backgrounds, creditworthiness, and the context behind their mortgage request.
Loan Structure Review: We analyze the loan amount, use of funds, repayment strategy, and how the opportunity aligns with our lending criteria and capital preservation philosophy.
With generations of experience in private lending, DV Capital applies a disciplined approach to private mortgage underwriting. Contact us to learn more about our process and how we align investment opportunities with risk-adjusted returns.
Alternative to MICs: Invest in Individual Private Mortgages.
Become a DV Capital Private Investor.
DV Capital offers private mortgage investors access to carefully screened, deal-by-deal investment opportunities – providing more control, transparency, and customization than traditional blind-pool structures like Mortgage Investment Corporations (MICs).
Invest in specific private mortgages rather than pooled funds.
Maintain full control over which deals to fund, based on your own risk appetite and preferences.
Ideal for investors who may not meet MIC qualification requirements or prefer direct investments.
No redemption penalties or account setup fees payable to DV Capital.
Most investments are short-term and registered directly in the investor’s name or corporation.
We work closely with each investor to develop a tailored investment strategy aligned with their goals. Contact us for a confidential consultation.
Our Professional Network.
Private Real Estate Investing.
At DV Capital, our operational model is built on a foundation of strategic relationships with astute professionals in the real estate and mortgage lending ecosystem. These collaborations help us deliver robust, compliant, and well-vetted private mortgage investment opportunities.
Real Estate Lawyers: We work with experienced real estate lawyers in good standing with their respective regulatory bodies, possessing best-in-class experience and knowledge from registration to discharge and all processes in between.
Real Estate Valuations: We engage select appraisers, licensed by the Appraisal Institute of Canada with CRA or AACI designations, to deliver objective, third-party property valuations and market assessments. Occasionally, we will engage a licensed realtor to provide a broker’s opinion of value.
Licensed Mortgage Intermediaries: In addition to sourcing deals internally, DV Capital accepts private mortgage funding requests from third-party mortgage brokers and agents who are actively licensed and regulated by the Financial Services Regulatory Authority of Ontario (FSRA).
Credit Committee: We regularly consult with a committee comprised of seasoned real estate and private mortgage investors to gain added insight on contemplated private mortgage investment opportunities, ensuring risk mitigation and sound investment decision-making.
Independent Private Mortgage Advisory for Investors.
Private Mortgage Advisory Services.
DV Capital Corporation offers independent private mortgage advisory services for investors seeking an unbiased, expert review of private mortgage opportunities presented by other lenders, brokers, or platforms. With over a decade of experience and thousands of private mortgage deals underwritten, we help investors evaluate the risks, terms, and structure of individual mortgage investments before they commit capital. Whether you’re a seasoned private mortgage lender or new to the private mortgage investment space, our advisory services provide peace of mind by reviewing deal suitability, underwriting assumptions, repayment strategies, and borrower profiles. If you’re evaluating a private mortgage investment and want an expert second opinion, schedule a complimentary 30-minute consultation with DV Capital today.
Experience doesn’t cost, it pays.